Category Archives: Guest Contributed

Taking a Pass on Gas – Wood Preferred

Taking a Pass on Gas – Wood Preferred


High Desert Homesteading


We recently bought a 22 year old house that had a massive rock gas fireplace. Not only was it useless for producing heat (being mostly decorative) it burned a fossil fuel controlled by a public utility. We much prefer a real fire, not to mention we have years of standing firewood on our property.

While a real wood fireplace/stove was on our prerequisite list for our new home, this house had pretty much everything else. Since the existing fireplace was very large and constructed of solid moss rock, we assumed it must have been a real fireplace at one time and later converted to a gas fired insert by a previous owner. Continue reading Taking a Pass on Gas – Wood Preferred

Americans Play Their Trump Card – And Why the System Always Deals Us a Bad Hand


Joe Withrow


We wait anxiously in our seats as the orchestra finishes tuning, the lights dim and the curtain draws signaling the commencement of Act Two - The Trump Triumphant.

Act One - The Campaign offered an amazing display of political strategy and showmanship! The tried and true hero vs. villain narrative was perfectly established and relentlessly repeated, drawing all of us in. Evidence of Hillary's dirty dealings were constantly paraded for all to see - the Podesta emails, the Clinton Foundation, Benghazi, the paid speeches to Goldman Sachs – much of it delivered directly to the people via Twitter leaving us all to wonder: will a Hillary indictment come?

Our hero stood tall and fearless on television, staring corruption directly in the face. "Remember, the election is rigged...” he warned us, implying the villain would do anything, including cheating, to win.

America was listening.

Middle class citizens all over the country had their pitch forks and torches arrayed and at the ready; enough was enough! Even a portion of working class people on the "left", most of whom enthusiastically supported Obama in the previous two elections, threw their support over to the Trump camp.

The mainstream media made it clear a Trump victory was nigh impossible. But that only succeeded in invigorating supporters and enlisting new recruits. After all, the narrative of America is the ultimate underdog story. If George Washington and the colonists could do it, so can Team Trump!

Yet poll after poll came back with the villain comfortably in the lead. Enthusiasm remained, but hope began to ebb and teeter...then BOOM!

The crescendo was queued and Trump stood victorious against all apparent odds on election night.

Initially stocks sold off and gold skyrocketed on uncertainty as the vote tally came in, but then something very curious happened. As if a testament to the sheer power of our hero's will, the markets completely reversed course in after-hours trading. By the time the financial markets geared up in the U.S. the next day, stocks were in the green and gold was in the red.

It was morning in America.

The opposition paid rabble-rousers to foment unrest in a handful of cities on the coasts, as well as on many college campuses. But by and large Middle America rejoiced. Away went the pitchforks. Away went the torches. Out came the baseball caps - a true symbol of American greatness. Their hero would be the next president of the United States; they had won and all was right in the world! The swamp would be drained, jobs would be returned, and prosperity would be restored. America would be great once again!

Just a masterful display!

We watch enthusiastically as the curtain draws to reveal our hero as he addresses supporters and the nation. First he speaks of the villain: "We owe her a major debt of gratitude for her service to our country.” he informs us. A few timid voices can be heard from the back of the auditorium: Wait a minute... didn't you just say she should be in jail?

Those voices are immediately hushed. Quiet down! It's just political talk, don't you know anything?

Next our hero expresses his gratitude to a number of his high profile advisors: Rudy Giuliani, Chris Christie, Jeff Sessions, Mike Huckabee, Gen. Mike Flynn, Gen. Kellogg, Reince Priebus, the RNC...

To the ire of many, several apprehensive voices can be heard from the back of the room once again. Hold on now. Those are the same old political hacks who have been living high on the hog from the status-quo for decades! I thought you were supposed to drain the swamp... not embrace it!

Once again their voices are immediately hushed. Can it! It's just political maneuvering. He has to play nice to get anything done.

Next our hero proclaims his vision: "We will embark upon a project of national growth and renewal..." This project, we learn, is to be a $1 trillion spending plan for infrastructure. The crowd cheers:  It's about time we take care of our country! And think of the jobs!

Those tentative voices just can't help themselves: Wait a minute... that sounds an awful lot like FDR's New Deal. I thought we opposed the New Deal. Not to mention, that's a lot of government spending...which is how the swamp got to be so darn big in the first place. I thought we opposed government spending? I thought we opposed deficits and public debt?

The crowd is getting pretty fed up at this point. Stop being a sissy... just wait until you see how he is going to pay for it! You don't know anything about economics or geo-politics!

As Act Two plays out, our hero continues to announce the people who will serve on his cabinet and staff... more Beltway insiders... more Wall Street insiders... more swamp creatures.

The crowd doesn't care very much... the only thing that really matters is they got "their guy" elected.  They can finally "get their licks in" at the annual Christmas party for the first time in eight years. The crowd claims to want the swamp drained, but observation suggests they simply want to be part of the winning team.

Such is the nature of politics; it is a zero-sum game. The crowd understands this perfectly well, but they think the game is "our side" vs. "their side". Left vs. Right... Liberal vs. Conservative... Working Class vs. the Rich... Main Street vs. Wall Street... Our Nation vs. Their Nation.

Those are all false paradigms. The zero-sum game is always Politics vs. Humanity.


It is always Politics vs. Humanity.   Always!


Politics proclaims hope and change, yet foments anger and hatred. Politics poisons the mind and pits otherwise good people against one another. Politics is the venom that encourages neighbors to actively hate one another, despite the fact they mostly share the same values, culture, and interests. Politics is the greatest engine of theft, coercion, violence, misinformation, lies, death, and destruction the world has ever seen.

Yet the crowd remains glued to political news programming and faithfully shows up at the ballot box every four years ready to enact political change. They are always trying to get the "right" people into office. They never seem to understand the things they wish to change have very little to do with the people in office, and everything to do with the structure of coercive government. Without the structure of institutionalized force, coercion, theft, and violence, it would not matter much who claimed to be the ruler.

This has been going on for hundreds of years now, ever since "representative democracy" convinced people they themselves own their government and that politics is all about civil service. Prior to this, people understood that they were "subjects" to their government, not "citizens", and they did their very best to avoid it whenever possible. That's why the tax collector was once the most reviled of professions.

Here's the thing: even if the crowd understood they were "subjects" to the structure claiming dominion over them, there is very little they could do to change it. You don't get to vote for the structure or even for the fundamental components comprising the structure; you only get to vote for a public overseer. That is the great democratic deceit - the illusion of governmental ownership and control by “We the People”.

The crowd will continue to be preyed upon for as long as they fail to recognize this. But that doesn't mean you have to be a victim.

The world has undergone a massive change over the past several decades – the type of change from which there is no return. This change has been the transition from the Industrial Age to the Information Age; a transition still in its infancy.

The Industrial Revolution, which began in the mid-to-late 18th century, has lifted more than a billion people from the shackles of poverty, raised standards of living exponentially and created the world in which we live today. In the developed world, even people of the most modest means enjoy far more comforts and luxuries than the wealthiest kings and nobles of the pre-industrial era.

Commerce was the driving force behind industrialism and the market system was spawned from enterprise and trade. But for all of its revolutionary and wealth-creating qualities, the Industrial Age carried one major limitation; it required highly rigid centralization.

Centralized institutions require a certain degree of administrative bureaucracy in order to function. This applies to corporations just as it applies to governments, and it is why corporate organizational structures fundamentally resemble government hierarchies.

All of these institutions employ pyramidal hierarchical structures: there are a few people at the top who send orders down to the people comprising the chain below them who pass those orders on down the hierarchy. Each successive chain is progressively larger as you work your way down the organizational chart.


Old or new, all legacy institutions employ failing pyramidal hierarchical structures.

The problem with bureaucracies is that they are slow, inefficient, and carry conflicting incentives and disincentives across the various chains of authority. These problems become magnified as the bureaucracy grows, and the one consistent incentive present in all bureaucracies is the desire to expand. As an institution grows, its focus becomes less on innovation or wealth-creation, and more on suppressing competition.

This is why the very institutions responsible for empowering individuals and enriching civilization on a mass scale always seem to stagnate and become parasitic over time.

So many institutional systems of the Industrial Age began (and I paint with a broad brush here) as liberators and innovators. These systems grew to encompass most of the globe, and they came to be thought of as permanent. For many, perhaps they still are.

Francis Fukuyama penned an essay back in 1989 titled The End of History? which suggested that humanity may have reached the end of its socio-cultural evolution with the collapse of the Soviet Union. Francis made a number of good points in his essay, and overall it made perfect sense at the height of the Industrial Age.

But God has a sense of humor and the Universe is unequivocally characterized by change and paradox. The Information Age was beginning its ascent precisely as Mr. Fukuyama was proclaiming the supreme permanency of western regulatory democracy and its established institutional systems. Little did the Establishment know that a new disrupting force was rising from the ether.

In fact, Timothy C. May had already penned and presented his powerful manifesto a year earlier at the Crypto 88 conference. History may very well point to Mr. May’s manifesto as the definitive beginning to the Information Age. Here’s May:

A specter is haunting the modern world… Computer technology is on the verge of providing the ability for individuals and groups to communicate and interact with each other in a totally anonymous manner. Two persons may exchange messages, conduct business, and negotiate electronic contracts without ever knowing the True Name, or legal identity, of the other…

Reputations will be of central importance, far more important in dealings than even the credit ratings of today. These developments will alter completely the nature of government regulation, the ability to tax and control economic interactions, the ability to keep information secret, and will even alter the nature of trust and reputation…

Just as the technology of printing altered and reduced the power of medieval guilds and the social power structure, so too will cryptologic methods fundamentally alter the nature of corporations and of government interference in economic transactions…

That day has arrived; we are living in the early stages of the Information Age. Most people may not know this yet, but they can feel it.

The institutional foundation of the industrial world is crumbling around us. Governments are bankrupt. Social welfare program costs are growing exponentially. Unions are broke. Pension plans are severely underfunded. National currencies have been trashed. Blue-collar jobs in the developed world have been lost to low-wage countries. Low-wage jobs have been lost to robotics and automation. Many of the jobs just disappeared entirely. Everyone's retirement account is propped up by the constant creation of money out of thin air required to keep the financial markets afloat.

Welcome to the Information Age!


The Information Age is still in its infancy.

In truth, these are all great things. The seeds of a second Renaissance for human civilization have already been sown. These seeds will blossom as civilization continues to move away from the Industrial Age model and its centralized dominant/submissive paradigm.

Think about it this way: technology is conquering scarcity and reducing the need for centralization.

It required 40% of the U.S. population to work in agriculture in order to produce enough food to meet demand in the year 1900. Today that number is around 2%, and food is more available than ever before. You can find milk, eggs, meat, fresh fruits, vegetables, and all kinds of other items at your local grocery store year-round. This has enabled people to focus their time, energy, and labor on more advanced endeavors which in turn has led to an explosion of technological innovation.

As a result of this drastic reduction in scarcity, the average person today is far wealthier in standard of living terms than the wealthiest people alive one hundred years ago. Take a few minutes to walk around your house and catalogue your furniture, appliances, electronics, gadgets, widgets, and stuff. Most of what you take for granted every single day was not available to your forefathers a mere one hundred years ago.

Here's the point: the world is not going to hell in a hand basket; the institutionalized industrial model is.

I don't know whether or not the centralized structure of coercive government was a necessary evil on the way to building an advanced civilization, but I do know this: politics is 100% obsolete in this digital age we now find ourselves in. We are living with space-age technology, yet we still employ the structure of bronze-age rulership by means of force, coercion, theft, misinformation, and violence on a mass scale.

We have been conditioned by this model to view ourselves as a victim always in need of a savior. Yet we humans are engines of creation. We can imagine and envision, then turn our imaginations and visions into reality. I mean that quite literally. It is just a choice. We are astonishingly capable beings, but we have been conditioned to focus on manifesting conflict and negativity.

This is why I am so saddened when I see politics, and the dark forces behind it, trick wonderful people into spending all of their time, energy, and thoughts on political abstractions. I see this every day in my own life. I see people whom I love and respect get sucked into the political game; I see them elevate politics to religious levels and willfully ignore those things that are most important in their own life. I watch as the twinkle vanishes from their eye, the pep disappears from their step, and the anger slowly poisons their psyche.

And I understand. I was there myself not too long ago.

As best I can tell, western civilization is a tale of two cities at the current point in time.

The people in one city are confused and angry because they do not understand why their industrial institutions are failing them. The 2016 U.S. election cycle made it obvious the people living in this city reside on both the "left" and the "right" side of the modern political spectrum. They know it’s broke and they want it fixed no matter what it takes, and no matter whose rights are trampled to do so. They are looking for a hero, and they see politics as the solution.

The people in the other city are much less concerned about the devolving industrial model because they are leveraging the budding trends of the Information Age in their favor. These are the people learning how to operate in the digital economy that bypasses industrial borders. They are learning there's a whole lot more to the money story than what they were led to believe.

They are learning how to build collaborative networks utilizing digital technology and secure communications. They are actively creating superior alternatives to literally every civil service function currently provided by industrial institutions. They see politics as the problem, and they see decentralized networks as the solution.

I lived in that first city several years ago. I was angry and depressed all the time. I thought the answer was to fight the trends; fight the world. I was stressed to the max, and terribly unpleasant to be around...just ask my wife.

When I eventually got tired of being angry and depressed my mind switched gears, and I moved to the second city. It's much more pleasant here, and the people are friendlier. The people in this city aren't trying to change the world - that's a win-lose proposition. Instead, they are building an alternative world based upon participatory networks and voluntary association utilizing modern technology.

Never before has this been possible in recorded human history.

While the crowd is focused on fighting the existing status-quo on the macro scale, a growing number of individuals are focused on building a better model on the micro scale. The new model is not fixated upon enacting "social change", it is geared towards empowering individuals. In fact, it's not much of a model at all in the traditional sense. It is not about replacing the old structure with a new one. Instead, the new model is a perspective paired with an understanding of the economic trends, digital technologies, and financial tools necessary to build a life of freedom, wealth, and fulfillment to the fullest extent possible.

This is the theme of the third edition of my book titled The Individual is Rising: Transcending the Industrial Order and Prospering in the Digital Age.



The book is available in both paperback and Kindle format on Amazon. But at the moment I’m not terribly interested in selling copies as much as I am in distributing copies. Anyone interested can pick up a digital copy absolutely free at

If you are tired of politics and its associated corruption, this book is for you. You see, in every developed industrial country there is a glass ceiling of-sorts over the middle class. When you add up all of the taxes across all levels of government, the middle class pays at least half of their income to their governments each year.

In addition to taxes, the middle class is also subjected to the whims of their rulers almost entirely. They just don't have any other options - they are stuck. And truthfully very few in the middle class even think about it. After all, the rat-race consumes the bulk of their time and energy.

But what if you don't want to participate in any of their political programs? What do you do when you just want to be left alone to experience this life in a meaningful way, but politics and its supporters are hell-bent on forcing you to play their games and participate in their schemes? What do you do when the moral busybodies are determined to keep you corralled within their systems of taxation and surveillance? What do you do when your logic is met with anger and condemnation?

Historically, the answer has been to fight; to use force - politically or even physically - as a means of instituting change. This is a losing proposition, and it is completely unnecessary in the digital age.

In the old days, the dreamers, visionaries, philosophers, and wayfaring souls were forced to meet secretly in the back rooms of taverns, inns, and speak-easies to discuss their radical ideas. Today, they can all connect with one another to share information and ideas instantaneously on the Internet, in total privacy thanks to encryption technology, from the comforts of their own home.

What this means is individuals can create their own future independently; they no longer need to fight to reform society in accordance with their own ideals and preferences. As systems theorist Buckminster Fuller pointed out, fighting the System only strengthens it. Here's Bucky:

You never change things by fighting the existing reality. To change something, build a new model that makes the existing model obsolete.”

For perhaps the first time in history, the Information Age and its digital economy are enabling individuals to build and experiment with new models on a global scale in relative peace and freedom. I don't think the significance of this is well-understood or appreciated as of yet.

This dynamic is unprecedented and absolutely revolutionary. And it is irreversible. The rulers can certainly build censorship and misinformation into popular social media sites, search engines, and top-level domains, and I suspect they will. But they cannot censor or shut down distributed networks designed to decentralize the Internet and all of its applications by bypassing third parties entirely.

The rabbit is out of the hat, and it won't be going back in. It is the Guttenberg Press all over again, except on a much greater scale. Fundamentally, the encryption technology driving decentralization is just a branch of mathematics. No matter how much legislation is passed, and no matter how many guns are drawn, the rulers cannot alter mathematics. 2 + 2 will always equal 4.

This presents the disenfranchised individual with a unique opportunity.

Most aspects of our society are digital today. Information is digital. Communication is digital. Vital records are digital. Money is digital. Wealth is digital. Transactions are digital.

I don't think this dynamic is well understood, nor do I think it is particularly welcomed by those of us who came up according to the rules of the Industrial Age. But those who understand the trends and the available technology can organize their affairs to bypass the abusive structure to the fullest extent possible to enhance their quality of life. Further, they can build alternative networks geared towards any desired purpose; they can construct better alternatives to the existing model which is based on centralization, hierarchy, monopoly, coercion, and political power.

Now this doesn't reduce the need for basic resiliency - food, water, shelter, and gold... but those are chaos hedges. My experience is that a fixation upon chaos hedges tends to foster an unpleasant and rather defeatist perspective. I am not sure that fulfillment can ever come to those with a defeatist mindset. Simply, a focus on negativity necessarily crowds out the inner genius capable of building a custom-tailored life.

Einstein once mused: "I think the most important question facing humanity is, 'Is the universe a friendly place?'."

If we come to the conclusion that the answer to Einstein's question is no, then we are doomed to a Hobbesian life of scarcity, struggle, and subservience. But if we decide the answer is yes, then a whole new world of opportunity opens up to us. As to what, specifically, that opportunity is - that is up to you.

It's all just a choice...


A better hand awaits those who choose not to play a rigged game.


Path to the Great Reset

By Joe Withrow

Author of 'The Individual is Rising'


Gold has been money for most of recorded human history. Industrial capitalism operated on a global gold standard up until the world wars shredded Europe’s economy. In 1933, President Roosevelt criminalized private gold ownership using an executive order, and the U.S. government forced citizens to sell their gold at a below-market valuation. This gold was melted down into bricks and shipped to Fort Knox where KPMG says it still sits to this day.

The Bretton Woods Agreement was executed in 1944, which pegged the U.S. dollar to gold at $35 per ounce, and installed the dollar as the world’s reserve currency. Under Bretton Woods, all other national currencies were pegged to the dollar, and foreign central banks could exchange dollars for gold at the fixed rate.

The Bretton Woods Agreement required the U.S. government to maintain the dollar-to-gold exchange ratio, but that didn’t happen. The U.S. government instead ramped up the printing presses to power its “Guns and Butter” campaigns in the fifties and sixties. Eventually foreign central banks caught on and began to exchange their dollar reserves for gold through the gold window. Gold steadily flowed out of the U.S. Treasury until August 15, 1971 when President Nixon unilaterally closed the gold window and ended the U.S. dollar’s direct convertibility to gold.

This action thrust the entire world onto a fiat monetary standard where all currencies floated in value against one another. The word “fiat” is defined as: an arbitrary order or decree, and the word very literally means “let it be done” in Latin. Fiat money is simply money that comes into existence and derives its value exclusively from government decree.

Free market economists, specifically those of the Austrian school, decried this move immediately. Fiat money had been used on a national level on numerous occasions throughout history, they said, and each time it led to economic disaster. Now you want to try it on a global scale? You are asking for a catastrophe!

Many of the Austrians didn’t think the fiat system would even survive the decade.

The reason being is really just common sense: if you give a select group of people the ability to create money out of thin air then they are going to do just that. And they are going to keep on doing just that in greater quantities, especially when they discover that they can funnel the new money to their own friends and business partners. Here’s the kicker: each new monetary unit that comes into circulation necessarily steals value from all of the other monetary units in existence.

This is just basic economics, but French economist Richard Cantillon noticed something especially nefarious about this dynamic way back in the early 1700’s. When such a fiat money system is employed, the people who receive the new money first – always the politically connected and financial elite – become fantastically wealthy while everyone else becomes poorer over time. In other words, Cantillon said, this system actively transfers purchasing power away from everyone who holds money, and it funnels this purchasing power directly to the few people who are on the receiving end of the printing presses!

This came to be known as the Cantillon effect, and it is the sole reason for the massive wealth disparity that has come to exist in the U.S. over the past four decades. There is a reason why the suburbs surrounding Washington, DC have become the wealthiest counties in the country. The Federal Reserve has been systematically transferring the nation’s wealth to Washington (and New York) for forty years now.

The fiat monetary system has fundamentally transformed how the economy operates as well. Free market purists, of which I am one, can list numerous reasons why the Bretton Woods System was a crony fractional gold standard that was riddled with problems right from the start, but it did serve to restrict the creation of currency and credit to a certain degree.

Gold was the restrictive mechanism. The amount of currency and credit in circulation was tied directly to the amount of gold in the vaults. Though the system was imperfect, credit could only come from real savings which could only come from real production prior to 1971.

Contrast this to the creation of credit today. Banks are required to hold a fraction of deposits in reserve in order to issue credit. This reserve number is roughly 10%.

In other words, banks can issue a $1,000 loan for every $100 on deposit with a simple journal entry. But the $1,000 created by the loan typically finds its way back into the banking system. Very few people take out a loan and stuff the cash in their mattress; they usually use it to purchase something. The business or person on the receiving end of that transaction typically deposits the proceeds from the sale into their bank account. At that point there is an extra $1,000 floating around in the system… which means banks can now issue additional loans up to $10,000 on top of the new $1,000 deposit.

Now it may not be the same bank with the additional $1,000 deposit, but all of the banks are tied together via the central banking system so the net effect for the entire system is the same. The credit expansion feeds itself and self-perpetuates.

The U.S. national debt was effectively restricted by gold as well, as the Feds found out when French President Charles de Gaulle began shipping dollars back to the U.S. Treasury in exchange for gold.

Gold was like the fuddy-duddy who collected everyone’s car keys at the door of the college party. He would let you have a little bit of fun, but he drew a distinct line in the sand.

So what has happened to the economy since 1971 is not a mystery – everything can be traced back to the fact that we went from using real money to using money created from thin air. The data very clearly shows the results of this:

  • The U.S. money supply has exploded since 1971.
  • The cost of living has risen dramatically because of this monetary expansion.
  • The U.S. national debt has exploded by a factor of 10 – it has quite literally doubled more than three times in forty years.
  • Unfunded government liabilities have exploded all around the world – eclipsing $210 trillion in the U.S.
  • Household debt has exploded significantly, and household debt-to-income has now surpassed 130%.
  • Interest rates have been pushed negative around the world, and to near-zero in the U.S. which has prevented seniors and conservative investors from earning any real returns on their savings.
  • Real money and savings have been replaced by credit – the entire economy has been hooked on cheap credit.

The perpetuation of this system depends entirely on continued credit expansion. The house of cards will fall as soon as the credit dries up.

Here’s the funny thing about this: the Baby Boomers have spent most of their adult lives immersed in this system. Their children have spent their entire lives in this system. This monetary system is anomalous from a historical perspective and it is completely unsustainable, but most people alive today consider it absolutely normal. They have known nothing else.

So the fiat money system has chugged right along with its booms and busts, seemingly oblivious to the mounting problems and the select few voices crying wolf. The system has hit road blocks several times during each decade, but it has overcome and persevered on each occasion - elevating asset prices in the U.S. to new highs as it advanced.

This has made the average investor complacent. Talk to your neighborhood financial professional and he will tell you decisively how it all works: Stocks always go up over time. So does real estate. Government bonds are your safe haven. Corrections happen from time to time - you just need to wait them out.

He's not trying to trick you - that is what mainstream finance believes. Indeed, that's mostly how it has worked for quite some time now. The normalcy bias is firmly entrenched.

What isn't often considered, however, is that we haven't seen the other side of the credit cycle since the fiat monetary system came to being. Credit has been expanding consistently, and interest rates have been falling since the early 1980's. At some point the cycle has to turn.

That point may be rapidly approaching. The puppet masters are engaging in more and more aggressive policies in an effort to keep the system progressing forward.

Policymakers in Japan and Europe have already pushed sovereign interest rates into negative territory. Chinese policymakers, as of last week, have done the same. This is capitalism flipped upside down. Instead of receiving a rate of return on their capital, savers actually must pay interest to purchase government bonds or to keep their money in the bank.

Think about what this means for large institutional investors. Are they really going to deploy their capital in a way that guarantees a loss?

What about insurance companies? Millions of people and businesses around the world have bought insurance policies to protect their homes, businesses, property, and even entire cities. These insurance companies must maintain a huge cash reserve in order to honor their guarantees as claims come in. Are these companies going to keep their cash reserves in accounts that steadily eat away at their capital because of negative interest rates?

You could ask the same question about pension funds.

And how about individuals all around the world? Are people going to keep their money in the bank and watch their account steadily dwindle month in and month out? Aren’t deposit accounts supposed to protect capital in a liquid manner?

A general rule of thumb is that capital flows to where it is treated best. Right now, that place is the United States. With the rest of the world descending into negative interest rate territory, the Federal Reserve has actually been talking about raising interest rates.

It is only logical to expect huge amounts of capital to rush into the U.S. credit and financial markets to escape the ills of negative interest rates. But this would drive Treasury yields down and send the U.S. dollar skyrocketing relative to all other currencies which would cause massive imbalances in the global economy.

Here’s just one example: emerging market debt has exploded by more than 600% in the last ten years alone. This debt is denominated in dollars, but the emerging market debtors earn money in their own currencies. This means they must convert their currencies to dollars to service this debt. If the dollar-to-emerging market currency exchange ratio is too extreme then these debts simply cannot be paid. Then problems in the credit markets really start to cascade.

So if the Fed pursues its "normalization" policies then the global economy faces some major problems. But the Fed has taken a more dovish stance recently, and Janet Yellen has even name-dropped negative interest rates.

Will the Fed follow the world into the realm of negative interest rates to suppress the dollar and avoid shaking up the global economy? This of course would lead to a different set of problems. If all of the world's major economies were submersed in negative interest rates, there would be no safe haven for the aforementioned economic actors to run to within the financial system. So what would they do?

Maybe they would just take it on the chin and let their capital gradually decay. Or, much more likely, they would move into physical cash and gold as a means to preserve their capital thus triggering a global bank run – something long thought conquered in the age of central banking.

Oh, and this is more than just a theory… a number of power players are already starting to do just that - move into physical cash and gold.

Could the Great Reset be at hand?

Of course, nobody knows for certain. Prominent Austrian economists thought the fiat monetary system would crash and burn a long time ago. They have been wrong for decades on this. Maybe they will be wrong for decades more... or maybe they will finally be proven right.

What's important to take from this is that the rules of the game are changing. Those stuck within the old paradigm of mainstream finance have huge threats facing their retirement, and quite possibly even their current standard of living.

We will be hosting a webcast on April 10 to discuss these major threats, analyze the trends, and talk about what you can do financially to not only insulate yourself, but possibly even grow your capital as this story unfolds. The broadcast will begin promptly at 8:00 pm EDT, and it is absolutely free with no obligations. Space is limited so register today to reserve your spot here:

Joe Withrow is an author, editor, instructor, investor, and philosopher... in no particular order. His work can be found at

Gold Bar

Energy-Money Equilibrium: The Value of Money in the Age of Oil


Reverse Engineer


Trying to figure out exactly how Money achieves and holds its value is very difficult. In all but the simplest systems, which are little more than Barter, you quickly develop a level of complexity which is confounding mainly because it is always so self-referential. In this exercise I try to elucidate the process used over the centuries to not just create money, which is primary, but also to control money once created. I have some basic ideas here, but I have no idea how this post will come out in the end. It’s a very difficult problem.

Starting Point: You cannot have Money without a surplus in basic needs, but neither is surplus by itself sufficient. You also must have control over at least one basic conduit of wealth, which is in the beginning food. Why is this so?

First let us look at a pre-agricultural Hunter Gatherer (H-G) society. Said society can be in surplus, but they don’t need or use money because each member of the society can take from the surplus as much as he or she needs. You may barter things, but you do not need an intermediary of money to do that. It’s a very simple system, but it allows for virtually no savings and none are necessary so long as you always have and expect surplus. A small group of H-Gs in a large territory who are not competing with others are always in surplus. So no money develops in such a society.

However, as soon as it develops into an agricultural (Ag) society it requires money. First thing the Ag society develops is a surplus even beyond that of the H-G society. So much in fact the population begins to rapidly expand. The Ag system also works on a seasonal level, where large amounts of grain are collected at harvest time and must be stored in warehouses. Such initial efforts are communal, with a tribe working together on a patch of land to farm it. To do so though, they must claim ownership over that land. This requires the tribe to move to the next level, one with a military to protect and defend the land they have claimed and are now dependent upon.

It is at this point you have the three most necessary elements involved for the beginning of a monetary system. One is ownership of the land, at first communal by the tribe as a whole. Second is storage of large quantities of food in a warehouse. Third is developing a military group responsible for protecting both the land you grow on and the goods stored in the warehouse.

The military component quickly becomes the most dominant one; in the early stages it is led by the most powerful Warrior who all of the tribe respects and fears. This person becomes “King”. Call him Nimrod. The King then becomes the symbol of the State, and all the state ‘owns’ and ‘produces’ (really ‘controls’ and ‘extracts’) belongs to him. The monetary system develops as a means for the King to distribute surplus to his loyal subjects.

The money develops when the counting begins in the Warehouse of Grain. Whatever is in there is represented in the Count by Credits, which can then be symbolized in a token. Only as many tokens are produced as there is grain to cover their redemption and Precious Metal (PM) coinage works well for this in the beginning. All the precious metals the King has acquired by whatever means are coined up and appropriately valued so there are not more coins than grain to be redeemed. This is Hard Money in extremis and it has an absolute value measured in the food it represents.

The King can now hand out the tokens to his military protectors and also pay the overseers of slaves or serfs who work the land and grow the food. The serfs and slaves are not paid in coinage; they merely receive a small portion of the food they produce for a subsistence living and often barter for whatever else they need.

Subsistence Agriculture - Clean

Problems arise as the society grows. In the beginning, the surplus of food being produced exceeds the amount of precious metals available for coinage, so food drops in price. A few things can happen here. The King can stop paying as much coinage to his military and overseer classes, raising the price of the food again thereby allowing the King to keep more precious metal in the treasury and more food in the warehouse. Everybody is still being fed at this point, the King has more precious metal in the Treasury and the surplus in the grain warehouse grows. The grain keeps a pretty long time, but eventually it will rot if not used or it simply become ridiculous to save any more. Like putting up more than a few years of Preps, it gets ridiculous after a while.

So you start to trade the surplus with others who don’t produce as much food and expansion begins in the system. Peripheral areas pay more Gold and Silver into the system and also begin to produce other things besides food, which money then becomes useful to pay for.

At this point the money system has become vastly more complex. The tokens no longer represent an absolute amount of grain in a warehouse, but rather the value of all goods and services being produced in this ever growing economic system. Bourses or Trading Markets develop, which set relative values for everything being produced in the society. As everything increases in size and velocity, the ‘economy’ needs a rapidly increasing money supply to handle it all.

The precious metal coinage does not increase at the same rate in most circumstances, so in order to have more ‘money’ available, base metals are used to produce some coins, which pretty much can be produced at will. Money is getting softer during this period, but so long as ‘the government’ doesn’t go wild coining up the base metals, it doesn’t devalue the money while the system is expanding.

The trading system begins to experience many stressors at this point. Regardless of whether there is a plague related famine or other issues, at times some folks in control of large swaths of land simply take it out of production, locally raising the cost of grain. This allows them to extract more precious metal ‘money’ from the buyers with this money disappearing into their basement safes. I’m sure you can see the analogue here with how oil prices are manipulated by creating periodic ‘shortages’, even if there is plenty of oil in the ground.

The ‘successful’ society utilizing money has now reached the point where there is a ton of surplus in the society, so much in fact there isn’t a whole lot of need for workers or for paying people very much coinage. And most of the PM’s are sequestered away in the basement safes of a few hoarders. At this point some folks can’t even get hold of a few base metal coins to buy any food, though there is plenty of food in the warehouse.

The society needs no more serfs, nor does it even need more artisans and toolmakers. Only a few of the most successful are necessary for the King and his Oligarchy, so these ‘new professions’ start to experience unemployment along with the serfs. The economy slows to a crawl, basically because it produced too much surplus too quickly and then developed an overburden of population with no remunerative work available.

New Professionals - Clean

Social discontent soon rises among the poor, at which point it becomes necessary to ‘give away’ the surplus to these folks or face revolution. But doing so causes money to lose further meaning. Why work as a soldier and put your life on the line for a few coins when bread and circuses are provided to the masses to keep them quiet and entertained? The Roman Empire’s period of bread & circuses has a direct analogue to the Great Society programs on through to the present day.

Eventually, regardless of actual production or the ability to grow food from the ground (or extract oil from under the ground) production of both begins to fall because there is no money flowing in the market with which to buy it. Now you really do get the beginnings of revolution, which then requires you to increase the size of the military and hand out money from the Treasury until the state is bankrupt of precious metals. At this point there are Gold coins in the hands of the soldiers, but there is little being produced to buy with those Gold coins. Soon you reach the end of the line for this iteration of a cycle, and not until the resultant wars and internal conflicts get resolved can you begin the rebuilding process……which then repeats the cycle over and over again.

The process has repeated countless times since Nimrod. And for so long as there is a real surplus in the economic environment, the only thing that causes a famine and scarcity problem is the collapse of the monetary system.

Our present day iteration is significantly different from those above. The repeated expansions and collapses culminated with the discovery and exploitation of the fossil fuel resource. This put the entire globe into such a great surplus that it rapidly expanded in population, thereby consuming this last great resource base. Upon its collapse, what is left of oil isn’t enough to expand once again after the typical wars knock down biblical numbers of around 25% of the population.

The monetary system doesn’t normally collapse from scarcity; it collapses from too much surplus and the hoarding of currency. However, due to overextension and resource depletion in specific locations, along with the vicissitudes of nature, periodically real scarcity does rear its head which causes a collapse from the opposite direction. In this case money may be circulating in the economic system, but it is a shortage of goods rather than a shortage of money which produces the disruption. The end result isn’t much different since you still end up with a situation where extant money won’t buy goods, but the causative factors are different.

The period we are now entering is a synergy of both problems, only on a global scale rather than local. On the one hand there is a consolidation of money happening, removing much of it from real circulation through the banking system. At the same time resources are depleting on a global level. So long as these two parameters move in tandem, you get shrinkage but not collapse. You only get a collapse when on the gross level both fail and that has yet to occur. When it does occur it is a lot worse than one or the other type of collapse.

In this last iteration of the cycle, rather than food in warehouses serving as the underlying basis of money, the thermodynamic energy of fossil fuels underpins the money. This, by extension through the industrial food apparatus, includes food. But food is only part of the total production of the society. Over time, food becomes arbitraged out of value since all it does is support ‘useless eaters’. Rather than produce more food, the monetary system serves to encourage the production of more fuel to perpetuate itself. Thus you get your corn ethanol production for cars rather than corn for people.

Ethanol - Clean

This is a Dynamic Shrinkage Model, basically serving to reduce population while at the same time conserving resources. This very well might be a planned methodology and could work, assuming the circulating money and available energy resource decline in near parallel terms. The problem it suffers from is one of instability along the way. Because the monetary system serves as a proxy for value for many other things besides fossil fuel energy, mal-investment throughout the system can collapse the monetary system too fast to maintain a stable equilibrium with the collapsing energy supplies.

An obvious example of this problem is the collapsing McMansion housing market. But it extends into cars, factories and many other financial ‘assets’. Unless those assets can be prevented from completely collapsing in value, the money supply can’t be shrunk at the steady rate necessary to equal the energy supply shrinkage. You then run into the old problem of plenty of resources available relative to the population, but insufficient working money to distribute said resources.

This of course is why we see the process where the central banks are pushing out credit to keep the energy market from locking up completely. They are trying to keep pace with the real shrinkage, but not issue so much credit as to render the currencies, which are dependent on the credit markets, to completely lose value as well. On a daily basis it is a system under great stress, and it is rapidly growing worse.

As long as linearity can be maintained between the energy markets and the money supply the system can continue to function, albeit ever more inefficiently and in increasingly smaller ‘boutique’ economies. The linearity gets disrupted either by a local implosion of a given credit market or by a local disruption of the oil supply of a threshold level magnitude. It is unclear how large that disruption has to be on an absolute value level to reach the threshold, but one suspects either a blockade of the Straits of Hormuz, which serves to reduce the energy level, or a credit collapse of a country such as the size of Italy, would be sufficient to disturb the equilibrium and send the relative economics into a tailspin.

Money and oil are EQUIVALENTS in the current society, mainly as defined by the dollar as the most popularly accepted proxy for oil. To keep the overall system running at any level, even a small boutique level, parity must be maintained between the currency and the available energy. To do this a vast portion of the population has to be cut off from credit to buy the oil……but not so fast the money loses its value or so fast the oil depletes in its availability at a reasonable Energy Returned on Energy Invested (EROEI). It is a tightrope which has to be walked very carefully.

So far, our Illuminati Masters have walked the wire very well. I do not discount the possibility they can walk the wire to the other side and maintain the equilibrium all the way through the spin down. This is possible, but in my opinion it is unlikely. Much like catching a raindrop on a knife edge and controlling how the water splits up, the magnitude of instability here is simply too great. One side or the other of the Energy-Money equation will exceed controllable parameters, and then you get a cascade failure. When that occurs, all bets are off. There is no maintaining a core in such a situation because there is no ‘core’.

I cannot say this one is “Coming Soon to a Theatre Near You.” I can only say to you that in my opinion it is, and will, inevitably come just as the largest mountains are inevitably washed into the sea. You must not despair here and think all is lost, with the outcomes inevitable and written in stone, for they are not. You just need to be patient and wait for the failure of the conduits, for when they do fail in earnest it will be a different ballgame altogether. Fail they will. I guarantee it.


Original Source - Doomstead Diner

Crude Oil - Clean

Changing the Script

Changing the Script


 Joe Withrow

Author of "The Individual is Rising"


“You never change things by fighting the existing reality. To change something, build a new model that makes the existing model obsolete.” – R. Buckminster Fuller


The unsustainability of the current Pax Americana paradigm has been discussed here at length. We know sovereign U.S. debt is exploding exponentially. We know the true debt figure is actually north of $200 trillion – largely consisting of Social Security and Medicare unfunded liabilities. We know the Federal Reserve has pumped huge amounts of liquidity into the financial system in an effort to pump up asset prices and push down interest rates. We know even a slight up-tick in interest rates would dramatically impede the Treasury’s ability to service the US sovereign debt.

We know the official unemployment and inflation numbers are fudged and the economy has not magically fixed its underlying structural problems, thus there will be no ‘growing our way out’ of this mess. We know roughly fifty percent of the U.S. population is dependent upon government benefits in some capacity and we know 10,000 people will be turning 65 every single day for the next decade. And we know that which is unsustainable will one day cease to exist.

But we also know dying paradigms have an uncanny way of hanging around for a lot longer than we think possible.

Upon waking up to the demise of Pax Americana, the tendency is to react with anger. Throw the bums out! Route the globalists! Rebel against the New World Order! Let's collapse the system!

When the state of constant anger becomes unsustainable a feeling of hopelessness and depression kicks in. Everything is corrupt! The police state is omniscient – they monitor everything! There is nothing but injustice everywhere! Society is going to collapse any day now!

The tendency then is to switch back over to anger after the depression has run for a while and the cycle becomes self-perpetuating. The anger says “We need to change it now!” while the depression says “There’s nothing I can do!

Our anger and depression are both stuck within the current paradigm; we perceive the wall to be higher than what it is thus we make no effort to peek over the top.

There are only two ways out of the anger-depression cycle: (1) re-assimilate back into the matrix or (2) change the script.

Re-assimilation becomes extremely difficult once one has peeked down into the rabbit-hole. Conversely, changing the script becomes surprisingly simple once one takes the time to rise up and peek over the wall.

The Beginning is Near - Clean Small

There are plenty of articles out there discussing all the ills of the current System, and there are equally as many articles explaining why we should be afraid of collapse.

There are also all manner of articles and ideas floating around out there promoting one utopian macro solution after another. Can any of these solutions work? Maybe, but I rather doubt it.

The human race is rather amusing in that, generally speaking, much of it seems to desire conflict, struggle, and competition for its own sake. Some people seem to have a natural desire to play the ruler and boss others around. Some have a natural desire to play the victim and be bossed around. Some seem to wish constant illness upon themselves and they revel in sympathy. Some seem to be chronic gamblers who get a thrill out of risking it all and subsequently hitting rock bottom. Some seem to lack empathy altogether and they enjoy harming others. Some seem to feel the need to play the hero and seek to improve every nook and cranny of the world. Some just want to be free to live their life as they see fit.

It is that last segment of the population that seems to get the short stick throughout all of history. There's always some collective boondoggle demanding their support. Holy wars, witch hunts, manifest destinies, wars for democracy, wars to end all wars, new deals, great societies, wars against poverty, wars against drugs, wars against terror, you name it. There’s always something deemed more important than laissez faire.

Too often the frustrated response is to fight the entrenched System. We can see extreme examples of this by looking back at the many violent revolutions which have taken place throughout history where subjugated people rose up to overthrow their ruling class. Many of these revolutions were in the name of freedom or equality and, when successful, the revolutionaries went to work setting up their own governments supposedly based on their espoused principles.

In some cases the new government soon became more oppressive than the old government – just with new insiders doing the oppressing. In other cases the new government was more respectful of liberty in its infancy. But even these ‘better’ governments eventually became corrupt, bloated, and hostile to liberty over time. The historical record clearly shows that fighting the System is not a long-term solution because it is always grounded in the current paradigm; the fighting is motivated by an intense desire to force change and make the System better or more efficient or more equitable or what have you.

A big part of the problem is people think of government as a service organization. This is what we are taught in our history textbooks and civics classes in the ‘public’ educational system and it is reinforced by news media and popular opinion once we reach adulthood.

But government is not in the service business, it is in the government business. Sure government provides some services. It delivers the mail, maintains the roads, and provides some semblance of legal and defense services that most people would consider to be necessary societal functions. But government doesn’t exist to do these things - arguably every one of these services could be done better and at a lower cost by local communities and private organizations. Government maintains a monopoly on these services only because it must do so in order to keep the masses docile in order to stay in business.

Government, it turns out, is unbridled self-serving force and coercion. That is the government business and that is why all governments, even when originally harmless, are eventually co-opted by sociopaths seeking to use the force of government for their own gains. Mao was correct about one thing: political power does grow out of the barrel of a gun. Even the ‘good’ services provided by government in the current paradigm require coerced taxation with the implied threat of force. Just ask Wesley Snipes if you don’t believe taxation implies force.

Civics - Clean

Einstein advised “We cannot solve our problems with the same level of thinking that created them”. Yet that’s mostly what I see happening today on many levels.

On the national level, the Tea Party and Occupy Wall Street movements personified anger fighting the System. One side raged against government and demanded more liberty. The other side raged against Wall Street and multi-nationals and demanded more equality. Both movements sought to collectively force change upon the System. While both of these movements have since been co-opted by established interests, the underlying sentiments still linger throughout the population.

On the local level, it looks like every community in the U.S. is spearheading an ‘economic development’ campaign. While the idea may be admirable, these campaigns all seem to be grounded within the current paradigm: they seek more. More tax revenue, more federal grants, more state grants, more population growth, more stimulus, more demand, more consumption, more everything. But more is backwards looking. More worked from roughly 1980 to 2008. It’s time has come and gone.

The solution is to change the script; to stop fighting the existing realty and begin creating the future.

Of course, the established order is not interested in change. Change is a threat. Change means more competition. Change means less power and wealth for the insiders. The establishment – governments/central banks/Wall Street/multi-nationals/Big-Agra/Big-Pharma/Big-Insurance/Big-Science/mega non-profits – will fight against change until their dying breath.

Thus the script must be changed at the individual level first. The individual must lead society, not the other way around.

The neat thing about this is there is no singular rigid model; no one cookie cutter solution. There is a basic regulatory framework rooted in common law (do not aggress upon others or their property) and contract law (do all you have agreed to do and nothing you have agreed not to do) but within this framework there is a blank canvas awaiting each individual artist.

My personal view is changing the script is simple. Not easy, but simple and intuitive. What follows are my experiences and thoughts on changing the script. What works for me may not work for others, so I share my perspective matter-of-factly with no implied suggestions, implications, or judgments. I am under no illusion of significance and I am well aware of the fact there are many others who have distanced themselves from the System much more so than I have. I offer my perspective only because I believe the sharing of ideas is what enables civilization to thrive.

My wife and I met in corporate America. We found ourselves working in the same department at the same mega-bank in the same metropolitan city. We were married at a downtown chapel in that same city a little over three years later. Our lifestyle was modeled after the mythical American Dream because that is what we had been conditioned to seek

It wasn’t long before we started to see through the deception and we made the decision to change the script. We ended our corporate careers, sold our home, liquidated our government-approved retirement accounts, and moved to a rural property with a little bit of land.

Knowing we will never be completely self-sufficient, our first order of business was to make our small homestead as resilient as possible. We stocked up on a reasonable amount of food, water, and provisions, bought a small solar-compatible battery and several propane tanks to store energy, stacked a cord of firewood, made a few minor repairs to the property, and most importantly stocked the wine cellar. After the initial outlay, maintaining this basic level of resiliency costs very little. We don’t think civilization is coming to an end, we simply think it is our responsibility to be prepared for what comes with the inevitable collapse of the funny money Ponzi as well as any other disaster or emergency that decides to come our way.

We have reduced our consumerism and our consumption of processed foods and we save 75% of our income like clockwork. We spread our savings across several asset classes according to our personal asset allocation model with most of our cash held within a high-cash value life insurance policy structured according to the “Infinite Banking Concept” to allow it to compound outside of the banking system and government-approved accounts. We are actively working to create diverse income streams for our family so we do not have to be slaves to a wage and we plan to plant our first garden this coming spring.

While we still carry health insurance policies in case of major emergency, we have divorced ourselves from every other aspect of the corrupt health care industry. Regular exercise and a healthy diet based mostly on paleo principles have virtually eliminated illness from our household. Natural supplements have told Big-Pharma to take a hike. We have no primary care physician nor do we fall in line to get our flu shot.

My wife gave birth to our first daughter in October... in our dining room. We completely shut out the Big Government/Big Insurance/Big Pharma health care cartel on that one.

We paid cash for midwifery services and received much more care, support, and education than we paid for when it was all said and done. Our daughter was born completely naturally without ever coming in contact with a hospital. There were no unnecessary prenatal tests or medications, no I.V.’s, no monitors, no labor-inducing drugs, no pain killers, and no invasive interventions. Upon her birth directly into her father’s hands, there were no meddlers waiting to rush our daughter off to be poked, prodded, weighed, measured, tested, vaccinated, or placed under a lamp. The only things awaiting her arrival were her mother’s loving embrace and her midwife’s gentle inspection.

The midwife made a 36-hour and then a five-day house visit to check on mother and baby and she answered numerous text messages and phone calls at weird hours during that stretch as well. As a result, mother and baby did not have to leave the comforts of their home for more than two weeks after birth. Three-week and six-week office visits that required no form-filling or waiting-room sitting completed our private contract with our midwife. Despite this, she offered to answer any questions at any time via phone or email going forward. Needless to say, there will not be any pediatricians in our daughter’s future. You just don’t go back to the cartel after such extraordinary health care service.

The wonderful homebirth experience was just the tip of the iceberg of our vision to provide our daughter with a mindful childhood free from the forceful expectations and coerced indoctrination that characterize so many American childhoods. Instead of viewing her as an ignorant child to be molded into society’s likeness, our daughter will be treated as a beautiful individual with innate untapped wisdom that very well may exceed our own.

When the time comes we will cater a home schooling program to her unique personality, skills, and interests. Her education will be as rigid and demanding or as free and creative as she needs it to be. As she grows in maturity, her home school program will become more self-guided and our role will move more towards encouraging her to pursue her own unique talents and passions.

Rather than ignoring financial education and hoping Social Security is still around in the year 2079, we will incorporate sound finance into the home school curriculum. Our daughter will learn the merits of saving, capital formation, and asset allocation at an early age. She will understand that fiat money is an illusion not to be cherished, but at the same time every individual has to make their own way.

We will also help her test her skills in the marketplace should she have such a desire. If she enjoys writing we can help her self-publish a book. If she is a skilled musician we can help her record an album for sale. If she likes baking we can take her to the farmer’s market to sell her goods. Any income derived from these enterprises would help her get real-world personal finance practice as well.

There will be no pressure to go to college upon completion of her home school program. We are capitalizing a small IBC insurance policy which will be given to her when she reaches adulthood to get her started on whatever path she chooses. If she chooses college she can go with no student loans necessary. If it is travel that calls to her she will have the means to begin her journey guilt-free. If her desire is entrepreneurial in nature she has the start-up capital already secured. Given the freedom to discover and pursue her passions at an early age, I suspect she will know what her next step will be well before ‘graduating’.

There is no doubt in my mind this script will enable our daughter to quickly mature into an intelligent, rational, logical, caring, passionate, and skilled adult. I contrast this with my own script that involved twelve consecutive years of public education followed by five consecutive years of higher education at a public university. It took me nearly a decade afterwards to shed the social conditioning and indoctrination and to mature into a free-thinking individual. By then my balance sheet was a wreck, my skills had atrophied, and my philosophical awareness was non-existent. Digging out of the hole of my own lost decade was exhausting.

I can’t help but imagine a world full of independent-minded individuals following the script of their own choice. What if individuals with infinite potential were not automatically plugged into the inner workings of the machine to perpetuate the System? What if more people were not exposed to all of the social conditioning throughout their childhood? What if more people did not get their news from the corporate media? What if more people recognized their true worth and settled for nothing less than following their own path? I can’t help but think such a world would be a much happier, healthier, and wealthier place.

But then I stop myself. For now I only need to concern myself with envisioning a world in which one family successfully writes their own script.

The rest is probably none of my business.

Joe Withrow


For more of Joe’s thoughts on the “Great Reset” and the Infinite Banking Concept please read “The Individual is Rising” which is available at....

"The Individual is Rising"

The book is also available on Amazon in both paperback and Kindle editions.


Sunrise - Clean